d*******n
发帖数: 62 | 1 打算本周做贷款，总额大概25万，首付10%，现在BOA给的FHA看起来不错，基本不收
loan orgination fee或broker fee，把$3800的FHA insurance放进贷款里以后，
closing cost只有$5000不到，15年的利率是4.25%，而且不需要每个月还mortgage
insurance了（因为15年首付超过10%）。请最近做过贷款的给指点一下这个看起来如何
？FHA将来可以转给下一个买房子的人么？相比普通贷款，有什么明显的缺点么？多谢 |
s**********d
发帖数: 36899 | 2 为什么你要把loan转给下一个买房子的人。。。
shop around最合算的就行了，FHA没问题。 |
s*****l
发帖数: 1844 | 3 how do you qualify for FHA loan? What is the requirement?
【在 d*******n 的大作中提到】
: 打算本周做贷款，总额大概25万，首付10%，现在BOA给的FHA看起来不错，基本不收
: loan orgination fee或broker fee，把$3800的FHA insurance放进贷款里以后，
: closing cost只有$5000不到，15年的利率是4.25%，而且不需要每个月还mortgage
: insurance了（因为15年首付超过10%）。请最近做过贷款的给指点一下这个看起来如何
: ？FHA将来可以转给下一个买房子的人么？相比普通贷款，有什么明显的缺点么？多谢
|
d*******n
发帖数: 62 | 4 好像一般大家都可以贷FHA吧，我也没有具体细节，只是给两三家银行谈了谈，说了自
己的具体情况，让他们分析一下。
BOA的人告诉我，如果几年以后买我房子的人也可以贷FHA，他们可以接我的贷款，包括
延续这个利率，并且告诉我这个会是将来的一个卖点。不知道这个有多可靠。。 |
l******r
发帖数: 1642 | 5 HOW MUCH do u need to pay monthly for 15 years?
How much is the total loan u got?
I wanna pay 10% downpay FHA but my agent ask me to pay 100$/month mortgage
insurance. That's too much. |
d*******n
发帖数: 62 | 6 There is no monthly mortgage insurance if you have FHA 15 yrs and put down
more than 10%. 30 yrs you need to have 20% down to avoid that.
I have locked down 4.25% 15 yrs. No loan origination fee, no broker fee, no
underwritting fee, $223,850 loan with $3850 PMI added in (otherwise $220,000
), total montly payment (1683.98+200 tax + 50 insurance) $1933.98. Total
closing cost $4,800.
Is that going to be good? Thanks. |
a****r
发帖数: 4965 | 7 For 15 yr FHA, no mortgage insurance. But for 30 yr FHA loan with less than
20% down, you are required to pay mortgage insurance for the first 5 years
or longer.
【在 l******r 的大作中提到】
: HOW MUCH do u need to pay monthly for 15 years?
: How much is the total loan u got?
: I wanna pay 10% downpay FHA but my agent ask me to pay 100$/month mortgage
: insurance. That's too much.
|
